Financial Review of Week 7/52 2018

Hi everybody,

I would like to thank all my followers, old and new, for reading, cheers!

Let’s see how I foolishly wasted wisely invested my money this week.

FOOD AND HOUSEHOLD SHOPPING

IMG_7496

Ice Cream, Milk, Golden Syrup £3.84

Milk, Wash Tablets, Orange Juice, Cheese, Frozen Sweetcorn, Apples, Rice, Prawn Crackers £14.92

Poppadoms £1.45

IMG_7498

Coconut Water x 4, Pizza x 2, Naan Bread, Poppadoms, Cookies x 2, Pilau Rice, Quorn Pieces, Quorn Mince, Baking Potatoes, Agave Syrup, Greek Yoghurt, Cucumber, Chicken Fillets £16.16

IMG_7497

Laundry Cleanser x 2, Washing Machine Cleaner £2.97

Beer x 3, Milkshake, Chocolate Treats x 2 £6.50 

Bread, Beetroot Shots x 2, Cayenne Shot £4

TOTAL SPENDS = £49.64

DISPOSABLE INCOME SPENDING

HOBBIES – HEALTH

2 x Magazines £8.40

Sports Watch £5.99

Race for Life Pretty Muddy £20

Magazine £4

Resistance Bands £3.50

(Total = £41.89)

POSTAGE AND PACKAGING

Stamps £7.80

GIFTS

Thank you cards £2.98

The Boy’s Birthday Treat Number 1 £30

TRAVEL (DAY TO DAY)

Taxi £2 (The Boy gave me £5 towards it)

Bus £3.40

HOMEWARE

Memory Box £2.49

SOCIAL 

Meal out with The Boy £20

CLOTHING

Work Trousers £5

Exercise Trousers £8

NON ESSENTIAL FOOD

Coffee £2.70

TOTAL DISPOSABLE INCOME SPENDING = £84.37 

TOTAL COMBINED SPENDING = £134.01

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Financial Review of Week 5/52 2018

Hi Everybody,

The house needed restocking of food, apparently, despite the cupboards being full, but I think I just have ‘new month = new stock’ as a train of thought in my head.

This week I had some pretty good bargains, or ‘wombles’ as I call them. I bought a £61.65 Amazon order which contained:

  • A meat thermometer and raw meat chopping board (as although I don’t eat meat The Boy wants to introduce some real meat into his diet instead of frozen and probably inhumanely reared meat).
  • A Mother’s Day present for both my Mum and Step Mum.
  • A birthday present for my friend’s nearly 1 year old daughter.
  • A birthday present for the friend above.
  • A copy of the Queen album ‘Jazz’ as I own it on Vinyl but not CD.

This order only cost me £1.65 as I used £60 in vouchers I had earned through my side hustles.

I also ‘wombled’ the below:

The Linguine and Ground Almonds I received from a friend who had listed them on OLIO, and the beers were given to us from The Boy’s parents as they were leftover from a meal we had together on Friday.

Lets get on to my spending this week.

FOOD AND HOUSEHOLD SHOPPING

Macaroni £0.56

BIG ONLINE FOOD SHOP £64.61

Tomato soup x 2, Milk, Greek Yoghurt, Margarine x 2, Microwave Rice x 4, Food and Freezer Bags, Frozen Peas, Gum, Frozen Fruit, Night Cream, Quorn Pieces, Mozzarella, Spaghetti, Tomato Puree x 2, Stew Pack of Veg, Cucumber, Celery, Apples, Cheese Rolls, Naan Bread, Cherry Tomatoes, Lettuce, Bread, Poppadoms, Eggs £24.76

TOTAL SPENDS = £89.93

DISPOSABLE INCOME SPENDING

GIFTS

Amazon order £1.65

TRAVEL (DAY TO DAY)

Bus £3

Train to Newport £5.30

HOBBIES – HEALTH

Padlock for gym locker £4.50

SOCIAL

Pie and Cider £13.80

Takeaway Chinese £15

TOTAL DISPOSABLE INCOME SPENDING = £43.25

TOTAL SPENDING THIS WEEK = £133.18

 

 

Financial Review of Week 46

Hmmmmmmm.

Something is amiss.

As I went to do my weekly transmitting of bar code’s to Shop and Scan I noticed that I had 13 food shopping receipts.

One show I love is Eat Well For Less on the BBC. On this show they take a family who are struggling with their food bills (although one family of four was spending £14000 a year on their grocery shopping, which may stretch the traditional definition of ‘struggling’) and every show the family is asked how much they spent and how many times they went to the shops. And the poor family never get it right.

And I would feel a little flabbergasted and be like ‘How can you not know?’ as I have a meticulous record of everything I have spent since April 1st 2015.

Well….

I have this saying which is ‘I write things down in my diary so I don’t have to remember’

So I had no idea I made 13 food shopping transactions this week.

And I don’t know how much I spent. I will soon find out how much I spent, as I do have the records, but I’m going to play a game and make a guess now.

I guess that I spent around £40 on food this week.

I guess that I spent around £40 on non food things this week.

Let’s see how far off the mark I am.

FOOD AND HOUSEHOLD SHOPPING

Batteries, Rice x 4, Prunes, Toilet Cleanser £4.63

Soup x 2, Bread Rolls, Eggs, Mincemeat, Food colouring x 2, Treacle £8.85

Milk, Self Raising Flour, Carrots £2.16

Sweetcorn, Demerara Sugar, Paprika, Soft Brown Sugar, Spaghetti £5.10

Laundry Cleanser £2.99

Scampi £1

Rice Krispies, Orange Juice £3.69

Sandwich tins x 2, Bramble Jelly, Baking Tray £2.25 (Used a £5 off Voucher)

Teabags, Milk, Bread £4.24

Naan Bread £0.49

Milk, Orange Juice, 2 x Men’s Shower Gel, 3 x Hand Wash, Frozen Broccoli, Quorn Pieces, Apples, Baking Potatoes, Sponges, 2 x Cheese Rolls £10.35

TOTAL = £45.75

So in this category I have spent more then I thought I had. So that’s one I’ve got wrong.

Let’s see the disposable income now.

DISPOSABLE INCOME/DISCRETIONARY SPENDING

CONTRABAND

Weighing myself £0.70 (my scales are broken and I am trying to keep track of my weight, it is so far not going well)

Coat Hangers £2.99

4 items of clothing £2

TOTAL = £5.69

SOCIAL

Coach to Birmingham to see Queen in December £40.20 (ok, so my guess is completely f***** now)

GIFT

Present for friend £2

2 x Cards £1.18

TOTAL = £3.18

POSTAGE AND PACKAGING

Envelope £0.75

Posting Present to Friend £3.40

TOTAL = £4.15

HOMEWARE

Plant tray £1.74

CLOTHING MAINTENANCE

Re-soling shoes £14.95

Fixing 2 items of clothing £8

TOTAL = £22.95

TOTAL DISPOSABLE INCOME/DISCRETIONARY SPENDING = £77.91

TOTAL COMBINED SPENDING THIS WEEK = £123.66

So I was out on my guess about the food spends by about 14%, and I was out on my guess of my disposable income spending by a huge near 95%.

Let’s is, oh, how do I say it? TERRIBLE.

Given that I now only have about £4.65 in my wallet, and about £9 something in my savings, and still no job, I may have to look at selling some more stuff.

June 2017 Accounts

Hi all.

Payday was yesterday, time to look at the last month’s accounts.

JUNE 2017 ACCOUNTS

MONEY IN

Wages = £1661.03

Savings = £20.03

Refund = £0.67

Selling books = £31.64

Loan from The Boy = £35

Cheque from my Mum on account of me having a breakdown = £100

TOTAL = £1848.37

MONEY OUT

Bills = £1541.03

Expenses = £183.58

Overspends on food = £88.55

Counselling Session = £25

TOTAL = £1808.16

MONEY IN (£1848.37) – MONEY OUT (£1808.16) = £40.21

And for once I think it adds up because that £40.21 is about what I made in overpayments to one of my credit cards last month. So for once I think I got my accounts right. Huzzah.